They are an utter Joke!!. I called LloydsTSB last night to order a new Cheque Book. I nearly had to get a English-Urdu, Urdu-English phrase book out!. It took 15 minutes to order the blasted Cheque Book!. Im seriously thinking of changing banks, so I can speak to somebody who can understand a good command of English!! Im sure people have had worse experiences than me..